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Tenants putting contents at risk with lack of insurance – warning

More than a third of renters haven’t taken out contents insurance for their possessions.

Analysis by insurance provider Trōv has found that 37 per cent of UK renters “haven’t got around to” taking out insurance but intend to take it out in the future

Another 31 per cent said the reason they don’t have contents insurance is because they are hoping they will never need it.


A fifth are hopeful that their flatmate has it, while 12 per cent don’t know anything about the cover.

Of those who do have contents insurance, 18 per cent said their landlord or property management company arranged it.

Benjamin Hindson, director of global insurance solutions at Trōv, said: “It always seems a little defeatist to plan for a ‘worst case scenario’, but in reality this is the pragmatic thing to do; it is reassuring for renters to know they are supported in any eventuality.

“It is surprising for us to see that 12% of UK renters don’t know anything about contents insurance, and this proves that we still have work to do.”

  • Angus Shield

    An interesting topic here.

    For years I always understood that tenants should hold an appropriate insurance that included accidental damage cover to landlords fixtures and fittings (about £2,500). 15 years ago we would not hand over a tenancy without evidential documents.

    I now understand that this is unenforceable and with the reduced deposit multiplier of 5x weeks rent nonsensical.

    With A-Plan and other providing perfect product for around £70 to protect the tenants chattels, and agents not being able to charge a fee for resolving uninsured tenant events (especially inter-flat leaks, break-ins and resultant lock changes), the agents and Landlords are again making up the shortfall in effort, costs, etc for what is a simple common-sense investment.


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